LoanFactory LogoWE DARE YOU TO COMPARE

Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Tuesday, January 13, 2026 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.375% (APR=5.411%)
Points/ Credits$1,290
Payment$1,792
Save $54,617 over 30 years

Wells Fargo

Rate6% (APR=6.162%)
Points/ Credits$10,187
Payment$1,919
Save $0 over 30 years

Assumptions: Purchase price: $400,000. Loan amount: $320,000. ZIP code: 77072, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Chase

Rates as of Tuesday, January 13, 2026 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.555%)
Points/ Credits$868
Payment$2,028
Save $17,242 over 30 years

Chase

Rate5.875% (APR=5.981%)
Points/ Credits$2,853
Payment$2,070
Save $0 over 30 years

Assumptions: Purchase price: $420,000. Loan amount: $350,000. ZIP code: 77072, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Citibank

Rates as of Friday, August 22, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.875% (APR=5.906%)
Points/ Credits$495
Payment$887
Save $18,270 over 30 years

Citibank

Rate6.375% (APR=6.566%)
Points/ Credits$1,125
Payment$936
Save $0 over 30 years

Assumptions: Purchase price: $200,000. Loan amount: $150,000. ZIP code: 90001, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Bank of America

Rates as of Tuesday, January 13, 2026 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.25% (APR=5.289%)
Points/ Credits$868
Payment$1,104
Save $40,818 over 30 years

Bank of America

Rate6.125% (APR=6.36%)
Points/ Credits$1,726
Payment$1,215
Save $0 over 30 years

Assumptions: Purchase price: $250,000. Loan amount: $200,000. ZIP code: 95464, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Guaranteed Rate

Rates as of Tuesday, January 13, 2026 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.375% (APR=5.401%)
Points/ Credits$1,023
Payment$1,960
Save $33,215 over 30 years

Guaranteed Rate

Rate5.75% (APR=6.138%)
Points/ Credits$4,358
Payment$2,043
Save $0 over 30 years

Assumptions: Purchase price: $437,500. Loan amount: $350,000. ZIP code: 60666, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Better.com

Rates as of Tuesday, January 13, 2026 - 2:01 PM (Pacific Time)

Loan Factory Logo
Rate5.25% (APR=5.289%)
Points/ Credits$695
Payment$884
Save $20,505 over 30 years

Better.com

Rate5.75% (APR=5.96%)
Points/ Credits$3,200
Payment$934
Save $0 over 30 years

Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit: 760+. Single Family Residence. Primary Residence. 30-day lock

We use cookies to ensure the most optimal browsing experience on our website. By visiting our site, you are agreeing to the use of these cookies.
READ MORE